Turn on the TV any given day and you are bound to see an advertisement from one of the major insurance carriers promising low rates and great coverage. While insurance carriers often deliver on their sweet sounding TV promises, the experience can depart from most people’s expectations.

If you are involved in a property claim, negotiating a new policy, or considering switching carriers, it’s important to understand how an insurance carrier approaches a claim. Here are some common misconceptions when working with an insurance carrier.

The alarm clock sounded its first ring and Martin’s feet swung out of bed. A new day. His feet hit the ground and boom - wet carpet. Gross.

Being the first one up, Martin made his way through their one-story home until he had found the source - a burst water heater in the utility room. In the middle of the night, 50 gallons of water had flowed across their home.